Which "easy" western european country are you in? Credit cards are extremely uncommon in many western european countries. They really only exist here so we can

Which "easy" western european country are you in? Credit cards are extremely uncommon in many western european countries. They really only exist here so we can make international payments, primarily to US-based companies. Everything is debit card based. France: PayPal, Carte Bancaire. Most closely resembles the US credit card system. But it seems the french use their local debit accounts to make payments. Belgium: PayPal, BanContact (any local bank debit accounts) Netherlands: iDeal (any local bank debit account) Germany: PayPal, SOFORT (local bank debit accounts) TLDR: In EU for online purchases, you want to have an PayPal + local debit account to cover most purchases. For interrnational payments, you can have a credit card for those extremely rare cases where vendors only accept credit cards.